Imithombo yezomthetho ikuqinisekisile ukuthi imantshi yeNkantolo Kazwelonke ivumile ukuthi leli bhange lithweswe icala ngesicelo seHhovisi LoMshushisi Elilwa Nenkohlakalo engxenyeni yecala leTandem eliphathelene izinkontileka zasebhange eVillarejo, okwaqala ngo-2004 ngaphambi kokuba uSacyr athathe izintambo ngenkani kwaze kwafika ngo-2017. Empeleni, ijaji licele i-BBVA ukuthi iqoke umuntu ozomela inkantolo kodwa yasichitha isicelo sebhizinisi sokuthi ivele njengeqembu elimele kuleyo nkinga.
Ngalo mqondo, kufanele kucaciswe ukuthi umshushisi ucele ukuthi leli bhange litholwe ngesonto eledlule ngemuva kokuhlaziya i- kubanjwe imibhalo kumarekhodi enziwa ngoNovemba 2017 futhi anikezwe yi-BBVA. Lapho kuphenywa khona amacala amaningi asebhange nawamanje naleli cala, okuyimfihlo, kubalwa nalowo owayeyi-CEO u-Ángel Cano nowayengumphathi wezokuphepha uJulio Corrochano, owafaka ibheyili ka-300.000 euros ukuze angangeni ejele.
Manje enye yezindawo ezishisayo kuleli nani lenkomba ekhethiwe yezimali eSpain, i-Ibex 35, yindlela amasheya ayo azophendula ngayo emakethe yamasheya. Akumangalisi ukuthi ukwesaba phakathi kwabatshalizimali abancane nabaphakathi ukuthi ukuphepha kwabo kungaphinda kwehle emasontweni azayo. Isimo esivele sibi kakhulu ngemuva kokuqala ukwehla okuqinile kusuka kuma-euro angama-9 ngesabelo ngasinye. Futhi lokho sekuholele ekutheni njengamanje ihwebe kakhulu eduze kwamazinga ama-euro angama-5, okusho ukuthi yehle ngamaphesenti angaphezu kuka-60%. Ukuba ngenye yamanani amabi kakhulu ezimalini zikazwelonke ezinyangeni eziyishumi nambili ezedlule.
I-BBVA: ungalanda ama-euro ama-4
Endaweni lapho intengo yamasheya ayo imbi kakhulu, iqiniso lokuthi ubuholi be-BBVA busolwa ngenkohlakalo lingaba imiphumela ekhathazayo kakhulu ngezintshisekelo zabatshalizimali asebevele bathathe izikhundla kuleli nani elibalulekile le-Ibex 35. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi ngokubuka kwezisekelo zayo. Kulesi simo jikelele, kusobala, akunakuphikwa ukuthi izovakashela amazinga aphansi kunalawo eyethula njengamanje. Ngisho usondela kuma-euro angama-4 ngesabelo futhi uzihlomisa ngeBanco de Santander.
Ngenkathi ngakolunye uhlangothi, esinye isici sokukhathazeka kwabatshalizimali abancane nabaphakathi silele ekutheni izenzo zabo zingakwazi thatha indlela eyingozi kakhulu ngoba icwiliswe emfudlaneni othengisa othembeke kakhulu. Lapho kungakhishelwa ngaphandle ukuthi ingaya phansi ngentengo yayo futhi ingqongqoze izisekelo ezintsha ezibalulekile. Ukuthi kube ngelinye lamabhange elinobuchwepheshe obubi kakhulu ezinyangeni ezintathu ezedlule. Yonke imingcele yayo isiwohloke ngamandla amakhulu futhi yenza ukungabaza ngalokho inani elingakwenza ezinsukwini ezizayo.
Ngokubuya kwesikhathi
Isici salo sobuchwepheshe samanje asisusi ithuba lokuthi ama-bounces abalulekile futhi amakhulu angenzeka ngesikhathi sokumiswa kwamanani entengo. Kepha bazosebenza, ngaphezu kokuthatha izikhundla zenani, ukuzihlehlisa lapho kungahle kwenzeke. Ngoba akunakukhohlakala noma ukuthi ukubonakala kwezimpawu eziyinhloko zaseYurophu akuyona into efiseleka kakhulu. Lapho i-Ibex 35 ilwela khona hlala ngaphezu kwamaphoyinti angama-9.000 futhi ukulishaya phansi kungakusa ezindaweni eziphakeme kakhulu. Okuthile okuzophinde kuthinte amasheya e-BBVA futhi ikakhulukazi kumongo ojwayelekile lapho isikhungo sezezimali sizithola njengamanje.
Ngaphandle kokuthi ingxenye enhle yabatshalizimali abancane nabaphakathi bangahumusha ukuthi amanani abo okwamanje ashibhile kakhulu. Kukhethekile, lapho ezinyangeni ezimbalwa ezedlule bekuhweba cishe ama-euro angama-8 ngesabelo ngasinye. Lokho wukuthi, kwehliswe inani ngesigamu futhi lokho akubonisi izinto eziningi ezinhle ezinenani. Uma kungenjalo, ngokuphambene nalokho, kukhombisa ubuthakathaka obubonakalayo obunganikeli ama-vibes amahle ukungena ezikhundleni zabo kusuka manje. Akumangalisi ukuthi kunokuningi okuzolahleka kunenzuzo futhi lokhu kufanele kusenze siqaphele kakhulu ukusebenza nenkampani esohlwini.
Umkhakha ojeziswe kakhulu
Kunoma ikuphi, umkhakha wamabhange ungenye yezimo ezimbi kakhulu ezimakethe zezimali. Umbuzo uthi ngabe uzowugcina lo mkhuba kusukela emasontweni ambalwa ezayo. Ngoba ngaphezu kwalokho, akungabazeki ukuthi kungaba ngesinye sezijeziso ezinkulu uma kwenzeka iBrexit enamandla iqala lokhu kuwa. Lapho kungabonakala ukwehla okusha nokukhulu kwentengo yayo okungaholela ekutheni i-BBVA ifane ngokuvumelana kwamanani ayo ne I-Banco Santander okumanje okusemngceleni wengqondo wama-euro angama-4.
Ngenkathi kuphambene, kunethemba elincane lokuthi leli nani lemakethe lizobuyela emazingeni eminyaka edlule. Okungenani maqondana nesikhathi esifushane nesiphakathi, okuyisikhathi sokuhlala unomphela kwabatshalizimali abaningi abancane nabaphakathi. Nge ukwahlukanisa isivuno okumanje kungu-4,5%. Vele akuyona enye ephezulu kakhulu ye-Ibex 35 kepha icabanga ukuthi imali ekhokhwayo engaguquki futhi eqinisekisiwe minyaka yonke. Ngandlela-thile ihambisana neyamanye amaqembu ezezimali. Yize umbuzo osele phakathi kwabahlaziyi bezezimali ukuthi uzokwazi yini ukugcina le nzuzo kusuka kulezi zikhathi eziqondile.
Amasu wokufeza ngenani
Manje kufanele sicabange kuphela ukuthi yini esingayenza ngaleli xabiso elibalulekile lezimali zaseSpain. Yize isu lokutshala imali ukuthengisa amasheya akho, abathengisi abanolaka kakhulu bangazama ukuthuthukisa umsebenzi wokuhweba ukwenza ukonga kwabo kube nenzuzo ngesikhathi esifushane kakhulu. Ngenhloso enkulu ye- sisebenzise ukungazinzi kwayo ukuthola ama-euro ambalwa kulolu hlobo lwemisebenzi esheshayo. Enye into ehluke kakhulu ukuthi ingakhuthaza ushintsho kuthrendi ngoba kulokhu kuzodingeka iye emazingeni azungeze ama-euro ayisithupha.
Ngakolunye uhlangothi, kungenye yezokuphepha ezinengozi enkulu ekusebenzeni. Kususelwa ezimeni zayo zenkampani futhi kusuka emkhakheni kuyahlangana. Okufanele kungezwe ukuthi okulindelwe ezimakethe zokulingana akuzona okungcono kakhulu, okungenani eminyakeni emibili noma emithathu ezayo. Kusukela esiteji, izeluleko ezinhle kakhulu hlala uthule ezindaweni zokuvula futhi uma kungenzeka ukubeka amanye amanani ku-radar. Akukhona ukuhlakanipha ukuthenga esimweni sezulu samanje sezimakethe zezimali. Njengoba ungathatha izimanga eziningi ezingezinhle ngaleli qembu lasebhange kusukela manje kuqhubeke.
Uma ufuna ukuba semkhakheni wamabhange, unezinketho ezingcono, njengeBanco Santander. Lapho imicimbi yamanje ingabalimaza kakhulu ezikhundleni zabo ezimakethe zezezimali futhi kuzodingeka ukuthi unake kakhulu okungenzeka ngokubuka komthetho. 'Ngoba ungathatha ukushaya kanzima ekugcineni kugcina kuthinta abatshalizimali. Njengoba kunikezwe lesi simo, into esebenzayo kakhulu ukuthi ingabi senani ngaphansi kwanoma yiziphi izimo. Akusizi ngalutho, lesi senzo singakhokha kakhulu kulezi zinsuku ezimbalwa ezizayo, njengoba kukhonjisiwe abanye abahlaziyi bezimakethe.
Thola okungaphansi ngo-10% emiphumeleni yakho
Phakathi kukaJanuwari noMashi 2019, i-BBVA Group ithole ama-euro ayizigidi eziyi-1.164, i-9,8% ngaphansi kunesikhathi esifanayo sonyaka odlule kanye ne-16,2% ngaphezulu kunekota edlule, ngamanani okushintshana amanje. Ngaphandle kokuqhathanisa imiphumela ye-BBVA Chile yekota yokuqala ye-2018 (ukuhlukaniswa okwenziwe ngoJulayi 2018), umphumela ube ngu-7,7% ngaphansi (-6,0% ngama-euro aqhubekayo). Ngenkathi ngakolunye uhlangothi, isilinganiso se-NPL sihlala ku-3,9% futhi izinga lokumbozwa lithuthukela kuma-74%. Izindleko zobungozi, ngokwengxenye yazo, zime kuma-1,06%.
Phakathi kwemiphumela yakhona yakamuva yamakota onke, iqiniso lokuthi i-BBVA iyaqhubeka nokuba ngumholi ngokwezinzuzo libuye ligqame, nge-ROE engu-9,9% neROTE engu-11,9%, ngaphezulu kakhulu kwesilinganiso sabancintisana baseYurophu. Ngasikhathi sinye, isilinganiso semali ye-CET 1 'esilayishwe ngokugcwele' sivalile ikota ngo-11,35%, sisondela enhlosweni yokuba phakathi kuka-11,5% no-12%, nokuthola wonke umthelela we-IFRS 16. Ngale ndlela, kusobala ukuthi umkhawulo ophelele wawungu-3,3% ngaphezu kwesikhathi esifanayo sonyaka owedlule, kusengaphambili ukuthi ngokuvumelana njalo kwakuyi-7,0%, kwafinyelela kuma-euro ayizigidi ezingama-6.069. Ngokuhambisana nalokho okulindelwe izimakethe zezimali.
Kusukela esiteji, izeluleko ezinhle kakhulu hlala uthule ezindaweni zokuvula futhi uma kungenzeka ukubeka amanye amanani ku-radar. Akukhona ukuhlakanipha ukuthenga esimweni sezulu samanje sezimakethe zezimali. Njengoba ungathatha izimanga eziningi ezingezinhle ngaleli qembu lasebhange kusukela manje kuqhubeke.